Name:   MartiniMan - Subject:   So now we know where the Russian collusion was Date:   9/28/2020 5:58:19 PM

The big issue we have with E&O is that even if they agree to pay defense costs they always reserve the right to not pay a claim.  Lot's of exclusions, etc.  And our self-insured retention (i.e., deductible) is $25K per claim.  Whether it was worth $150 per year would depend on the limitations, endorsements, exclusions and SIR.  Still, it seems pretty reasonable and am surprised most govt employees don't have it.